Wordings | BCAA

BCAA Insurance Wordings

Home Insurance

The policy wording outlines your insurance coverage. It provides important contact information in the event of a claim. It also contains clauses that may exclude or limit your coverage. If you have any questions or concerns regarding your coverage, please contact your BCAA Insurance Agent.

Home, Condo and Renters Policies

Home Insurance policy numbers starting with R

(R)

Home, Condo and Renters Policies

Comprehensive Wording - Effective January 19, 2022 Onwards – PDF File

Home, Condo and Renters Coverage Summaries

Home, condo and renters coverage summaries provide a quick overview of your coverage, whether you own or rent a home, condo or townhouse. (click the name of the product type to access the coverage summary for that product)

Strata Policies

Residential Strata Comprehensive Wording - PDF File

Home Insurance policy numbers starting with G (GXXXXXX)

Home, Condo and Renters Policies Comprehensive Wording - Effective July 1, 2021 Onwards – PDF File

Home, Condo and Renters Coverage Summaries

Residential Strata Policies

Residential Strata Comprehensive Wording - PDF File

Travel Insurance

The policy wording outlines your travel insurance coverage. It provides important contact information should you need to contact us during regular business hours to extend your policy while you are travelling, or 24 hours a day, 7 days a week in the event of a claim. It also contains clauses that may exclude or limit your coverage. If you have any questions or concerns regarding your coverage, please contact your BCAA Insurance Agent.

COVID-19 and BCAA Travel Insurance Coverage

Find helpful information related to BCAA Travel Insurance and COVID-19, including answers to frequently asked questions, at bcaa.com/coronavirus.

Policy Wordings

Policy wordings are specific to when you purchased or renewed your policy. Please select your policy wording based on the purchase/renewal date range that applies to you from below.

Trip Cancellation & Interruption Coverage continues to be impacted by COVID-19. Learn more at bcaa.com/COVID-19.
Policy Purchase/Renewal Date	Changes/Updates
April 14, 2022 or later — Policy Wording	Coverage still includes $1,000,000 or $10,000,000 in coverage for COVID-19 emergency medical coverage, depending on your vaccine status and eligibility*, however booster(s) are no longer required for you to be considered fully vaccinated.
February 18, 2022 - April 13, 2022 — Policy Wording	Travel Delay & COVID-19 Quarantine coverage is available as an Optional Coverage or included in the Trip Protection Package. It provides coverage for unplanned commercial accommodation, meals and internet costs if you, your family member or traveling companion test positive for COVID-19 and are ordered to quarantine.
August 13, 2021 - February 17, 2022 — Policy Wording	Coverage includes COVID-19 emergency medical for eligible customers, including Visitors to Canada, depending on your vaccine status. Coverage limit varies by product. Review your policy wording to learn more. Visit bcaa.com/COVID-19 or contact us to learn more about the following changes: Travel Delay & COVID-19 Quarantine coverage available as an optional coverage.

RV Insurance

RV Wording - PDF File

BCAA Optional Car Insurance

Policy Wording - PDF File

Travel Accident Insurance

Travel Accident Certificate - PDF File

Small Business Insurance

Small Business Insurance Policy Wordings

^{*$10,000,000 CAD COVID-19 medical coverage limit applies if you have been fully vaccinated (administered with at least two doses of a Health Canada-approved COVID-19 vaccine) and up to $1,000,000 CAD if you have been administered one dose. Dose(s) must be administered 14-days or more prior to departure. Coverage provided at no additional cost with the purchase of a BCAA Travel Emergency Medical Insurance policy. Children under the age of 18 are covered regardless of their vaccine status. Full eligibility criteria for COVID-19 coverage and all policy terms, conditions, exclusions and limitations can be found in the policy wording.}